What is covered with Casco insurance?

Insured risks <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> If the costs of repairing the vehicle exceed 70% of the market value of the vehicle at the time of the insured event, if the risks specified in the conditions materialize, the vehicle shall be deemed destroyed. BTA has the right to consider the vehicle destroyed and/or the restoration of the vehicle economically impractical if the cost of its restoration exceeds 50% of the vehicle’s normal market value at the time of the insured event. Total loss of the vehicle <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> Robbery of the vehicle or an attempt to steal the vehicle connected with violence or threats of violence. Burglary <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> Theft is the unlawful taking of a vehicle with the intention of stealing it. Risk of theft <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> Collision with another vehicle, obstacle, pedestrian, animal or other object in traffic or other place intended for traffic, including roll-over, falling (eg from a bridge, etc.), drowning or sinking while driving on an open ice road. Traffic accident <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> The impact of fire, smoke, soot and extinguishing operations on the vehicle. Fire <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> Damage to the vehicle caused by storms, floods, lightning and hail and damage caused by falling objects emitted by these natural phenomena. Natural disaster <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> Damage to vehicle front, rear and side windows with a stone or other object. The deductible does not apply when reimbursing the costs incurred for the replacement or repair of front, rear and side windows, unless otherwise agreed. The sunroof, glass roof, mirrors and vehicle lights are not considered glass, and if they are damaged, the deductible applies. Risk of glass breakage <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> Compensation is paid for damage caused by a collision with wild or domestic animal or bird. In the first such insured event during the policy, the damage is indemnified without applying deductible. In order to receive the indemnity without deductibles, the policyholder must prove that the incident occurred and the incident must be registered in accordance with the legislation in force. The deductible applies to the indemnity for damage caused by the avoidance of a collision with an animal, unless there is a video record of the insured event which shows that the collision was avoided. Risk of animals <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> Vandalism is intentional damage to a vehicle by a third party not related to the policyholder. Vandalism <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> BTA compensates for the replacement of lost, stolen or damaged vehicle keys and/or alarm remote control, and if necessary, the cost of recoding is reimbursed without excess, but not more than 400 euros per insured event. Key insurance <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> BTA Road Assistance will help you in case of an unexpected breakdown or damage to your vehicle if using the vehicle is no longer possible or allowed in accordance with local traffic regulations. BTA offers BTA Road Assistance for cars, vans at no extra charge. Road assistance Additional covers for an extra fee <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> KDuring the insurance period, one insured event is indemnified without deductible if the damage has occurred in a traffic accident involving two vehicles and the accident has been formalized and recorded in accordance with legislation. Deductible free claim handling <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> In case of additional coverage for a replacement car, BTA reimburses the rental costs of the replacement car or other transportation costs (e.g. public transport, taxi, etc.) for up to 21 calendar days, with a daily limit of €28. The insurance compensation for the replacement car is not paid if the vehicle repair time is shorter than 12 hours or the amount of damage in the insured event is less than the deductible specified in the policy. Replacement vehicle insurance <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> In case of additional protection of new value insurance, BTA compensates the purchase price of the vehicle in the event of an insured event, if the vehicle is destroyed. If the vehicle is insured with new value insurance in BTA when new, and the insurance contract is renewed for the next period with new value insurance protection, the new value insurance protection is extended until the mileage of the vehicle does not exceed 30,000 km, but no longer than 24 months from the initial registration of the vehicle. Replacement value insurance <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> In the event of a traffic accident, BTA reimburses the legal costs related to the insured event. Legal aid costs related to misdemeanor or criminal proceedings initiated as a result of a traffic accident and costs related to contesting the decision of the traffic insurance provider of the other driver involved in the traffic accident are reimbursed. Before incurring legal aid costs, the expediency of the costs must be coordinated with BTA. Legal assistance <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> In the event of damage, BTA compensates the personal items in the vehicle up to €1,000 for all items in total, while the deductible applies as agreed in the insurance contract. Personal belongings insurance <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> On the basis of this additional protection, the vehicle will be repaired in the event of an insured event even after the end of the vehicle's general warranty at the authorized representative of the vehicle manufacturer in Estonia, and if the damaged part is not technologically or economically reasonable to restore or it does not guarantee a high-quality end result, the damaged parts will be replaced with new original spare parts. Repair at the manufacturer's authorized dealer repairshop <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> Insured persons are the persons specified in the insurance contract (including the driver) who are in the vehicle at the time of the traffic accident. If the area of use of the vehicle is not normal use, only the driver of the vehicle is the insured person. The insured event is a decrease in the extent of the insured person's ability to work / disability or death, which is a direct result of bodily injuries sustained as a result of a traffic accident. The sum insured of accident insurance is EUR 5 000. The detailed procedure for paying benefits and the terms of their payment are set out in the terms and conditions of BTA Casco insurance. Accident insurance <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> With this, BTA compensates for damage caused by damage or destruction of the vehicle caused by loading or unloading cargo or cargo. Loading damage insurance <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> With this, BTA compensates the residual value of the lease contract of the vehicle destroyed as a result of the insured event immediately before the insured event occurred. The residual value does not include other possible financial obligations of the lessee to the lessor, including interest, arrears of lease payments, fines, contract-related expenses or payments. The amount of the insurance premium is EUR 500. Lease contract residual value insurance <path d="M9.06009 11.5887H10.8369C10.8369 10.3783 13 9.77304 13 7.70977C13 5.93535 11.5708 5 10.1159 5C8.75107 5 7.5279 5.74278 7 7.13205L8.51931 8.0674C8.7897 7.32462 9.29185 6.84319 10.0515 6.84319C10.7983 6.84319 11.2232 7.21458 11.2232 7.84732C11.2232 9.20908 9.06009 9.77304 9.06009 11.5887ZM9.9485 15C10.5536 15 11.0429 14.4773 11.0429 13.8308C11.0429 13.1843 10.5536 12.6616 9.9485 12.6616C9.34335 12.6616 8.85408 13.1843 8.85408 13.8308C8.85408 14.4773 9.34335 15 9.9485 15Z"> In case of replacement trailer cover, the insured has a replacement trailer damaged as a result of the insured event, the technical condition and equipment of which met the requirements established by law before the insured event occurred. The sum insured of the replacement trailer is EUR 1 000. Changeable trailer insurance

Motor and Casco insurance

Q: Insurance territory

The coverage of the Motor Insurance policy is valid in the Republic of Estonia and the Contracting States of the European Economic Area. The scope of online Casco insurance is Europe (geographical area), except for Russia, Belarus and Ukraine. If you want to purchase a policy with coverage in another area, please contact our customer service by calling +372 5 68 68 668 or sending an e-mail to bta@bta.ee.

Q: Before going abroad

When traveling for business or pleasure, do not forget: to take traffic and comprehensive policies with you and check their validity; to find out if the policy area is as required by the laws of the country you are traveling to. Green Card must be included if you plan to travel to the following countries: Albania, Andorra, Belarus, Bosnia and Herzegovina, Croatia, Israel, Iran, Macedonia, Morocco, Moldova, Montenegro, Russia, Serbia, Tunisia, Turkey and Ukraine. If an accident occurs: call BTA on +372 5 68 68 668 ; report the accident; request advice on how to proceed in accordance with local laws regarding notifying the circumstances of the accident to the local authorities (police etc.) and preparing other necessary documents. If you have valid Casco Road Assistance, please also inform BTA of the need for car assistance.

Q: Traffic Insurance terms

Insurance service information document Traffic insurance law Traffic insurance law effective as of 01.01.2015 (in estonian) MTPL insurance terms and conditions Terms and conditions No. EE-16 effective as of 01.10.2014 till 21.12.2021 Road Assistance Terms and Conditions Terms and conditions No.19.Autoabi.01 effective as of 30.11.2023 Terms and conditions No. EE-15 effective as of 01.10.2014 till 29.11.2023 (in estonian) General Insurance Terms and Conditions Terms and Conditions No. GC 2019.0 effective as of 01.07.2019 Terms and Conditions No. GC-2012 effective as of 01.12.2011 till 30.06.2019

Q: Casco Insurance terms

Insurance service information documents Guide for Auto Indpection before Casco Insurance Casco Insurance Terms and Conditions Terms and Conditions No. A6.2023.01 effective as of 12.07.2023 Casco Insurance Terms and Conditions Terms and Conditions No. A6-03 effective as of 10.06.2020 until 11.07.2023 Terms and Conditions No. A6-02 effective as of 01.02.2011 till 09.06.2020 (in estonian) General Insurance Terms and Conditions Terms and Conditions No. GC 2019.0 effective as of 01.07.2019 Terms and Conditions No. GC-2012 effective as of 01.12.2011 till 30.06.2019

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Calculate insurance premium in minutes!

A quick and easy way to calculate your insurance price. Check motor and casco insurance coverage. NB! When buying from self-service, the policy becomes valid 1 hour after signing.

Quick claims handling!

Fast and convenient - damage can be reported by phone. You do not need to show your vehicle to BTA to claim compensation, but you can contact a repairshop directly.

BTA Road Assistance

BTA car assistance protects you 24/7 in unforeseen situations on the roads (technical assistance, delivery of motor fuel, vehicle transport, replacement car, etc.).

By taking out comprehensive insurance for cars and vans, we offer you BTA Autoabi as additional protection free of charge, which is already included in the policy by default.

Fast and convenient!

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Choose the insurance policy and additional risks that meet your needs.

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Why choose Motor and Casco insurance together

Motor insurance alone is not enough!

Motor insurance is a compulsory insurance policy that covers the other party to the accident if you are responsible for causing the accident. Damage to your own vehicle is covered by Casco insurance.

Full insurance is simple and profitable!

You will save time and money if you buy Casco and motor insurance together. Additional cover you choose yourself!

Casco and Motor insurance together won't leave you walking on the sidewalk!

The insurance bundle makes sure that in case of accident a 24/7 solution from BTA insurance is just a call away!

BTA Casco's wide range of additional protections includes, among others

Additional information and insurance terms

Insured risks

Total loss of the vehicle

Burglary

Risk of theft

Traffic accident

Fire

Natural disaster

Risk of glass breakage

Risk of animals

Vandalism

Key insurance

Road assistance

Additional covers for an extra fee

Deductible free claim handling

Replacement vehicle insurance

Replacement value insurance

Legal assistance

Personal belongings insurance

Repair at the manufacturer's authorized dealer repairshop

Accident insurance

Loading damage insurance

Lease contract residual value insurance

Changeable trailer insurance

It is mandatory to have motor insurance for all vehicles participating in traffic. Motor Third Party Liability Insurance compensates for damages caused to others by your vehicle, in accordance with the provisions of the Motor Insurance Act. The sum insured per insured event that took place in Estonia is

1 200 000 euros in the event of damage of a thing and 5 600 000 euros in the event of personal injury, if the event has happened before 15th July 2024

1 300 000 euros in the event of damage of a thing and 6 450 000 euros in the event of personal injury, if the event has happened on the 15th July 2024 or later

For vehicles with a registration weight not exceeding 3500 kg, BTA Road Assistance services are free of charge in Casco, but by purchasing only Traffic Insurance, you can also choose the BTA Road Assistance service.

Roadside assistance services are accessible 24/7 with just a phone. Call +372 5 68 68 668, if you need:

Telephone consultation
Technical and start-up assistance
Helping out of sand, mud or snow
Delivery of motor fuel
Back-up key retrieval
Tire change
Blocked doors opening
Vehicle transportation (evacuation)
Taxi service
Replacement car
Assistance in filling in the accident report form

Call our customer service on +372 5 68 68 668 if there is an accident on the road and you need help solving the problems mentioned above.

The coverage of the Motor Insurance policy is valid in the Republic of Estonia and the Contracting States of the European Economic Area.
The scope of online Casco insurance is Europe (geographical area), except for Russia, Belarus and Ukraine. If you want to purchase a policy with coverage in another area, please contact our customer service by calling +372 5 68 68 668 or sending an e-mail to bta@bta.ee.

The Green Card is an international document that confirms the existence of Motor Insurance when traveling abroad. The green card is only required if you want to travel to the following countries: Albania, Andorra, Azerbaijan, Belarus, Bosnia and Herzegovina, Israel, Iran, Macedonia, Morocco, Moldova, Montenegro, Russia, Serbia, Tunisia, Turkey and Ukraine. The Green Card is issued free of charge for the duration of the policy.

As of June 1, 2023, the green card issued to Estonian vehicles is not valid in Russia and Belarus. As a result, from 1 June 2023, road users will have to buy border insurance to cross the border.

In taking care of the security of the customer's car, we evaluate its anti-theft equipment and systems before concluding a Casco Insurance policy.

When insuring the vehicle, you must have two keys with a factory immobilizer and two alarm control systems. The alarm must be audible and visual and respond to the opening of the doors, bonnet and luggage compartment.

Certain models and brands, as well as exclusive and expensive cars, require an additional anti-theft device. These are, for example, a secret switch, an additional immobilizer, a radio tracking/tracing system.

If you have additional questions, please contact our customer service by calling +372 5 68 68 668 or sending an e-mail to bta@bta.ee.

When traveling for business or pleasure, do not forget:
to take traffic and comprehensive policies with you and check their validity;
to find out if the policy area is as required by the laws of the country you are traveling to.

Green Card must be included if you plan to travel to the following countries: Albania, Andorra, Belarus, Bosnia and Herzegovina, Croatia, Israel, Iran, Macedonia, Morocco, Moldova, Montenegro, Russia, Serbia, Tunisia, Turkey and Ukraine.

If an accident occurs:
call BTA on +372 5 68 68 668;
report the accident;
request advice on how to proceed in accordance with local laws regarding notifying the circumstances of the accident to the local authorities (police etc.) and preparing other necessary documents.

If you have valid Casco Road Assistance, please also inform BTA of the need for car assistance.

The insurance price depends on:
Information on the owner/responsible user obtained from the population register
Insurance history
History of losses
Type and use purpose of transport
Technical characteristics of the vehicle

Insurance service information document

Traffic insurance law
Traffic insurance law
effective as of 01.01.2015 (in estonian)

MTPL insurance terms and conditions
Terms and conditions No. EE-16
effective as of 01.10.2014 till 21.12.2021

Road Assistance Terms and Conditions
Terms and conditions No.19.Autoabi.01
effective as of 30.11.2023

Terms and conditions No. EE-15
effective as of 01.10.2014 till 29.11.2023 (in estonian)

General Insurance Terms and Conditions
Terms and Conditions No. GC 2019.0
effective as of 01.07.2019

Terms and Conditions No. GC-2012
effective as of 01.12.2011 till 30.06.2019